401k Contribution Limits 2025 Catch Up Over 55. For 2025, 401(k) contribution limits are increasing by $500, from $23,000 annually to $23,500. Next year, employees aged 60 to 63 will benefit from an even higher contribution limit.

The employee contribution limit increases modestly from $23,000 to $23,500. Use higher 401(k) contribution limits as a ‘prompt’ starting in 2025, employees can defer $23,500 into 401(k) plans, up from $23,000 in 2024.